In D&D Insider's character builder, both Eberron and D&D Home campaign presented as separate options when creating a character. Does choosing Eberron vs. "D&D" actually make any changes or restrictions (similar to those for the Dark Sun setting) in character builder? I ask because my players have rolled their characters in the default setting and I recently decided that our next campaign would take place in Eberron since its a much better fit for their characters and the tone of the campaign I am going for.

2 Answers
2

All the other options are supposed to limit choices to ones either permitted (as Lair Assault and Encounters seasons may have regulation determining selection options) or suggested (Dragonmarks do not appear in canon Forgotten Realms).

The only mechanical impact that I can see for selecting the Eberron setting, is that the background options are limited. For example, Forgotten Realms Player's Guide backgrounds do not appear as options (though Neverwinter ones do).

I would have expected that setting specific themes, such as the Dark Sun ones, classes such as the Bladesinger, deity choices such as Pelor, and a more complete set of setting specific backgrounds (such as the aforementioned Neverwinter ones) would also have been restricted, but it appears not.

HOW
TO USE
THIS BOOK
This book
is
designed
to
help
you
create characters in the
DUNGEONS
&
DRAGONS®
game using the
unique flavor
and
details
of
the
EBERRON
setting.
The
EBERRON
Player's
Guide uses
the
core rules
and
game
mechanics of
DUNGEONS
&
DRAGONS.
YOU
can use
a character from another
D&D
campaign setting
in
Eberron without
any
modifications.
You can
create
a
character
who
could
be
found only
in
Eberron, usingthe
new
races, classes, backgrounds,
and
feats foundin this book.
Or you can
make
a
hero
who
combineselements from more than
one
setting.
The
EBERRON
Player's
Guide offers
you
a
wealth
of
information
to
help
you
design
a
character ready
to
take
on
thiscomplex world of wonders, terrors,
and
adventures.

This would seem to support all of our conjecture in the comments section. Thanks for weighing in everyone.